Dear [redacted] ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Roaman'sB credit card accounts, and we are here toassist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you believe your bill is incorrect, and you were sentdouble itemsYou have contacted Comenity Bank, with no resolveYou do not believe youowe a balance on the account, and you would like a letter stating we corrected your creditreport.Please note that Comenity Bank and Roaman's are two separate entitiesThe Bank isresponsible for addressing questions related to your credit card accountRoaman's isresponsible for handling matters related to sales, merchandise processing, returns andshipping.When merchandise is ordered from Roaman's, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handlingRoaman's does not refundshipping and handling charges when merchandise is returnedIn addition, if the provided returnlabel is used to return the package, the return label fee is also charged to the account.Bank records indicate, you have placed multiple orders with Roaman's that you charged to yourRoarnan'sQ credit card accountPlease keep in mind when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA).Our records indicate on March 2013, we received your dispute, regarding the information inyour complaintOn March 25, 2103, we sent a response which is enclosed for your records.We have spoken with Roaman's on your behalf, and they have provided receipts which verifyyour purchasesThe receipts are enclosed for your records, along with billing statements whichshow the account activity that comprised the account balance and delinquencies which werereported to the credit-reporting agencies.Please be advised, the Roaman'sB account was opened on March 22,The last purchaseof $was made on May 6, 2013, and the last payment of $was received on March Since the account exceeded six consecutive billing cycles past due, the account wasclosed, written off, and reported to the national credit-reporting agencies as an unpaid debt of$on December 6, The Bank then sold the account to Portfolio Recovery onJanuary 20, 2015.Comenity Bank is required to report factual information to the national credit-reporting agencies.We have reviewed your account, and we find that the information reported is correct; as such,we are unwilling to remove the account from your credit report.As Portfolio Recovery is now the owner of this account, we ask that you contact them directly at###-###-####.If you have further questions regarding the charges applied to your account, please contactRoaman's at ###-###-####.I hope you found this information to be helpfulIf you have any further questions, pleasecontact Portfolio Recovery at the number listed above.Sincerely,Amanda R [redacted] ***
We received your complaint, addressed to the RevDex.com, regarding the account referComenity Bank issues RH credit card accounts, and we respond to all credit-related inquiries. Ywere forwarded to my attention, and I appreciate the opportunity to assist you.We understand that you... recently filed a RevDex.com, complaint regarding interest chargedRH credit card account. You state that you feel you have been scammed as you were not allowedpayments to your plan of choice. You have requested that fees assessed to your credit card accourOur records indicate that a purchase of $5,253.49 was charged to the account on October 27, 2purchase was billed to the 365 day deferred interest payment required plan. This plan expired on2016. A purchase of $1,574.34 was charged to your account on November 27. 2015, and this was arevolving plan. However, on May 28, 2016, in response to a dispute received, this purchase was365 day deferred interest payment required plan which expired on November 27, 2016. The last paymentto your account was on December 12, 2015, for $338.55. This purchase was also billed to the 365interest payment required plan and is due to expire on December 12, 2016. As agreed at the timeno interest would be assessed to the account should the balance be paid in full as of the scheduleddate. The information was provided on all billing statements provided to you by Comenity Bank.As each of the plans billed to your account, have a minimum payment due, when your paymentsthey are distributed amongst all plans on your account.Enclosed are copies of the previous statements. Each billing statement advised that should the bapaid in full, accrued finance charges dating back to the original date of purchase, wold be assaccount, On October 27, 2016, as the promotional balance was not paid in full, finance charges totalwere assessed to the account. When your account bills on December 2, 2016, additional financebe assessed to your account as a balance remained unpaid on your plan that expired on NovembThe fees are valid, and we are unwilling to issue credit for the finance charges that have been assePlease note that the address currently Iisted on your RH credit card account is [redacted] Avenuewould like to update this to reflect the address listed above, please contact our Customer Care Dep###-###-####.We appreciate your business and value you as our customer. If you have any questions or concelyour account, please feel free to contact me at ###-###-####, ext. [redacted] be happy to assist you.Sincerely,
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Pier imports® credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you never received your first billing statement and credit card for the above referenced credit card account You state that all items were either returned or cancelled, and when you received your statement in May for your purchase of $21.19, you were charged $for a late fee and $in finance charges We apologize for any inconvenience this matter may have caused you Our records indicate that your Pier imports® credit card account was opened on April 3, 2016, and the Welcome Kit and billing statements were sent to the address we have on file for your account The Bank has no record of any of the items being returned as undeliverable On April 7, 2016, a statement was issued with a balance of $1,and minimum payment of $due by May 3, 2016, as no payment was received by the due date, a late fee and finance charges were assessed to the account in accordance with the Credit Card Agreement On April 11, 2016, credit for $was issued to your account and a credit in the amount of $was issued on April 16, On May 8, 2016, a statement was issued with a balance of $and a minimum payment of $due by June 3, 2016, as no payment was received by the due date a late fee was assessed to the account As a courtesy the bank credited your account $in late fees and $in finance charges on May 31, On June 4, 2016, your payment of $was received Please be assured that we have removed the remaining $in late fees from your account and with this adjustment you have a credit balance of $ A refund check has been requested, and should be received within days In addition, your Pier imports® credit card account has been closed per your request We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H***
Dear [redacted] Thank you for the recent complaint regarding the above-noted accountComenity Capital Bank issuesGardner White credit card accounts, and we respond to all account-related inquiriesYour complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunityto assist you.Your complaint states that the purchases you made in and were placed on a month interestfree plan; however, you were assessed the accrued interest for your purchasesFurthermore, you arerequesting the accrued finance charges be waivedI understand your concerns and I apologize for anyinconvenience or frustration this may have caused you.Our records indicate on February 15, 2013, a purchase of $1,posted to your account, Thispurchase was placed on a Month Waived Interest, Equal Payments Required Plan, which wasscheduled to expire on February 27, Purchases on this plan will not assessed interest if thepurchase is paid in full before the end of the promotional periodAt the end of the promotional period,any balance remaining on the plan is added to the regular revolving balanceThe minimum monthlypayment calculations for this plan is less than the minimum monthly payment calculation for the regularrevolving balance (generally %).Furthermore, on March 16, 2014, a purchase of $posted to your account and on March 17,2014, apurchase of $posted to your accountBoth purchases were placed on a Month DeferredInterest, 1% Payment Required Plan, which was scheduled to expire on March 17, and March 18,For purchases on this plan, interest is accrued (calculated, but not added to the balance)If thebalance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, are added to the deferred balance, and this balance is moved to therevolving balanceThis information appeared on your monthly billing statements, under the heading,'Details of your plans"have enclosed your billing statements for your review.Upon further review, our records indicate that your payments are due on the 10'' of each month and as aresult of payments not being received or received after the due date, a late fee was assessed to youraccount for the months of May 2013, June 2013, April 2014, May 2014, June 2014, July 2014, November2014, December 2014, January 5, and March 5.Please be advised that a statement was issued to you on February 12, 2015, showing a balance of$Under the "Details of your plans" section, you were advised that the balance of $348.00, whichwas the remaining balance for the purchase of $1,500.00, needed to be paid by February 17, 2015, toavoid paying interest chargesAs a result of this balance not being paid in full, the remaining balance of$was moved to your revolving balancePlease be advised that you were not assessed anyaccrued interest for this purchase; however, as a result of this balance being moved from a waivedinterest promotional plan to the revolving balance, finance charges would be assessed monthly, shouldthe balance not be paid in fullAdditionally, the balance of $536.00, which is the remaining balance forthe purchase of $699.01, needed to be paid by March 18, 5, to avoid the accrued interestAs a resultof the balance not being paid in full by March 78, 2015, the accrued interest of $was assessed toyour account.Comenity Capital Bank has found no billing errors on your account, and we believe the informationprovided is accurate; therefore, we are unwilling to waive the accrued finance charge that was assessedto your account.As of the date of this letter, the account balance is $861.56.We hope that this information is helpfulShould you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext7293241, (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the [redacted] ’s credit cardWe are here to answer your questions and assist with your concerns.The Bank received your complaint in which you state you made a payment in full the same day you made your purchaseYou further state you do not owe a balance on the account and you are requesting that the account be adjusted to show a zero balanceWe understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on July 7, 2016, a [redacted] ’s account was opened in the name of [redacted] A purchase of $was charged to the account the same dayIf you have documentation that confirms the purchase was paid for using another method of payment, please send the documentation to the address above.Based on the information in your complaint, we have issued a credit for all Bank fees assessed to the accountThis left a credit of $on the account; therefore, the Bank issued a refund check in this amountYou should receive this within days under separate cover.In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the [redacted] ’s account, in its entiretyPlease allow days for the credit-reporting agencies to update their records.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
This message concerns my complaint ID [redacted] against Comenity Bank.I am writing to say you have resolved my complaint against Comenity Bank and I have received credit on my account that was due.I am very grateful for your help.Thank you very much for your help.Sincerely, [redacted] ***
Although your offices continuously fail to acknowledge that Comenity Bank/Lane Bryant is in the wrong for the way that they have treated me, yes complaints have already been established with the agenciesthat you recommended The company is clearly trying to cover its basis because of their wrong doing.I realize that your offices do not have all of the documents that clarify my complaint against them BUTthey do and their poor attempt to keep your offices at bay shows this-which justifies my concerns to theyour State Attorney General's office
Dear [redacted] : We received the additional inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-related questions Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concernsWe understand from your inquiry you would like confirmation that Comenity Bank received the documentation sent by your credit union and your account is reported as current with no delinquencies with Equifax, Experian, and TransUnion Bank records indicate as of the date of this correspondence, the bank has not received the documentation from your credit union and your account is reported as current with no delinquencies with the credit-reporting agenciesWe hope this information is helpful Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); I will be happy to assist youSincerely, Tionna M [redacted] [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within@ credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We previously received and responded to your complaint submitted to our Dispute Teamregarding this matterPlease find enclosed a copy of our response sent to you on February 5,2016.Please be advised, the Bank has received your payment of $47.04, which has provided you witha credit balance of $A refund check has been issued and should be received, underseparate cover, in days to the address above.I hope you find this information to be helpfulIf you have any further questionsplease contactme at ###-###-####ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**
I did as directed by your companyI will be contacting an attorney I do have a record of the call and instruction from your customer serviceI hoped you would be honest and we could get it resolved without legal action Regards, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveAs the bank that issues HSN credit card accounts, Comenity Capital Bank is here to help you with your account-related concernsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youYour complaint indicates that you purchased Account Assure to cover your debt in case you became unemployedYou became unemployed on August 1, 2016, and on August 15, 2016, you notified the Bank that you had a payment due on August 20, You state that you had to wait for paperwork that needed to be filled out and faxed back once completedAdditionally, part of the paperwork had to be completed by your former employer who is in Maryland, and you live in FloridaFurthermore, the local business in Florida refused to the required documentsYou are requesting that the bill be paid, since you are now unemployedYou can address your concerns directly to Account Assure at: Account Assure [redacted] [redacted] In the interest of customer service, we have issued a credit for the late fee of $that was applied to your accountPlease keep in mind that you are responsible to maintain your minimum payment until your claim has been processed and payment has been made to the accountWe hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at #######, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Rosa M [redacted]
Dear [redacted] : We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above Comenity Bank issues west elm credit card accounts, and we respond to account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you applied for a west elm credit card account in May of and you have not received a west elm credit card and you have never made any purchases on the west elm account We also understand that you have disputed the charges and a new west elm account was established and the purchases were transferred to the new account You are requesting the Bank remove the information from your credit report, and stop contacting you I apologize for any inconvenience this matter may have caused youOur records indicate that we received a similar complaint that was filed with the CFPB (Consumer Financial Protection Bureau) on August 9, We have enclosed our response for your recordsOn October 30, 2015, your west elm account ending in [redacted] was closed, and your west elm account ending in [redacted] was established and a credit card was sent to the address listed above The bank has no record of receiving the credit card back as undeliverableYour account ending in [redacted] has a balance of $3, As advised in our previous correspondence the Bank considers the balance on this account to be validWe hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H [redacted] Tell us why here
I was led to believe information, and the employees that did this need to be retrainedIf you won’t raze the credit limit to be the $like I was led to believe it was, I think everything I have been through deserves a customer service adjustment to the account to bring it under the credit limitThat’s a $good will adjustment on the banks partThis would be the right thing to do Regards, [redacted]
Dear Mr [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above Comenity Bank issues Pier Imports® creditcard accounts, and we respond to account-related questions Your correspondence was forwarded to my attention,and I appreciate the opportunity to respond to your concernsWe understand your concerns as noted in thecorrespondence that you were not receiving your billing statements due to anissue with your name and would like to have the negative reporting removed fromyour credit report We apologize for theinconvenience and frustration you may have experienced due to this situationOur records indicate that the Pier Imports®account was opened on March 22, 2014, in the name of [redacted] withthe address listed aboveBank records indicate a billing statement wasissued on March 23, 2015, which reflected a balance of $2,with a minimumpayment of $due by April 18, A statement was issued on April 22, 2014, which reflected a balance of $2,692.31with a minimum payment of $258.00, due by May 18, Due to non-receipt of payment, late fees andfinance charges were assessed to the account in accordance to the Credit CardAgreement In addition, we have no recordof the billing statements being undeliverableOn May 26, 2014, a credit of $wasapplied to your account to reverse the previously assessed late fees, and yourname was corrected on the account Apayment of $2,was applied to your account on June 12, 2014, leaving theremaining balance of $ As nofurther payments were received, late fees and finance charges continued to beassessed to the account On October 29,2014, a credit for $was applied to your account removing the previouslyassessed finance charges and late fees, leaving a zero balanceIn the interest of customer service,instructions were sent to the national credit-reporting agencies to delete thederogatory reporting for the above mentioned account Please allow the credit reporting agencies 45days to update their recordsWe hope this information is helpful Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youattempted to set up an automatic payment and the payment was not madeAt that time youcontacted the Bank to request the fee removed from the accountYou state that you were advisedthat due to having a fee removed previously, the Bank is unwilling to remove an additional fee asthe Bank only permits the removal of late fee every monthsYou are requesting this additionallate fee removed.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.As of the date of this letter, the balance on the account is $679.00, and the account is currentAsyour account was issued a credit for the Bank fee previously, please understand that we areunwilling to credit your account any additional late fees at this time.I hope you found this information to be helpfulIf you have any questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Renee S***
Dear [redacted] Thank you for contacting Comenity BankAs the bank that issues Victoria’s Secret credit cardaccounts, we are here to answer account-related questionsYour complaint, submitted to theBetter Business, was forwarded to my attention for reviewI appreciate the opportunity to assistyou.In your complaint you allege you did not enroll into the Account Assure program, and that youmissed the charges assessed because you receive your statements electronicallyWhencontacting the company to cancel and request a refund, you were asked to verify yourinformationBecause there was an address error, missing phone number, no Social Securitynumber, and no security question, they refused to cancel the membership or issue a refund.You request the membership cancelled and a refund for $150.92.The Bank’s investigation found that you enrolled in Account Assure, which is an optional debtcancellation program, on November 4, 2014, during a call to confirm receipt of your Victoria’sSecret credit cardYour Victoria’s Secret account was charged a total of $in AccountAssure fees, which reflected on the billing statementsEnclosed are copies of the billingstatements and the Account Assure Welcome Kit sent to you upon enrollment.Please be assured that on March 9, 2016, we cancelled the Account Assure program and youwill no longer receive the benefitsAdditionally, credits totaling $have been issued to theaccount for the fees assessedYou will see the credits on your March 16, 2016, billingstatementAON, the vender for Account Assure acknowledged that they were unable to verifyyour address when you called them on March 8, However, they called you on March 9,2016, to confirm the cancellation and the credits issued to your account.We sincerely apologize for any frustration or inconvenience you have experienced as a result ofthis matterIf you have further questions or concerns, please contact me at ###-###-####,ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsWe understand that while visiting the Lakeland Victoria’s Secret store in October 2016, you applied for an account and were approvedHowever, the store associate entered someone else’s address on the applicationYou never received the credit card or billing statements, and in February you were contacted by the Bank stating you had not paid your bill and three billing statements had been sentYou state the representative was nasty and accused you of lying as the statements had not been returnedYou were directed to the Account Protection (Fraud) Department in which the representative confirmed that the address on the account was in Davenport FloridaAt this time you requested to have the account closedTwo months later when speaking to an Account Protection representative you were advised the account wasn’t cancelled, and late fees were assessedOn May 19, 2017, you received a letter from the Bank advising that there hasn’t been any fraud in the matterWe have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metThank you for taking the time to speak with me on May 25, 2017, to resolve this matterAs discussed we sent a request to the credit reporting agencies to remove the delinquency reported in April Please allow the credit reporting agencies up to business days to update their recordsPlease be assured all Bank fees were previously credited to the accountThe Victoria’s Secret Angel credit card account has been closed per your request as of January 12, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
I provided documentation that the required to verify my identity The letter did not indicate they would close my accounts I received pre-approved offers for Victoria's Secret and Wayfair.com I will be reporting their action to the FDIC and the U.SConsumer Financial Protection Bureau Regards, [redacted]
Dear [redacted] [redacted] * [redacted] Comenity Bank (Bank) has received your correspondence regarding an accountComenity Bank issues multiple retail credit card accountsWe are here to answer your questions and assist with your concerns We understand from your correspondence that you are being charged excessively for bed(s)You state that you have missed one payment and you receive a phone call every day including Sundays We are unable to locate the account you are referencing regarding this matterTo further research your concerns, we request the following: Comenity Bank Account NumberFull social security numberAny previous addressesTelephone number as listed on the account Once this information is received, we should be able to locate the account and further research your concerns I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses
Dear [redacted] ***We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Roaman'sB credit card accounts, and we are here toassist you with all account-related questionsI appreciate the opportunity to respond to yourconcerns.We understand from your complaint that you believe your bill is incorrect, and you were sentdouble itemsYou have contacted Comenity Bank, with no resolveYou do not believe youowe a balance on the account, and you would like a letter stating we corrected your creditreport.Please note that Comenity Bank and Roaman's are two separate entitiesThe Bank isresponsible for addressing questions related to your credit card accountRoaman's isresponsible for handling matters related to sales, merchandise processing, returns andshipping.When merchandise is ordered from Roaman's, the account is charged for the cost of themerchandise, sales tax (if applicable), and shipping and handlingRoaman's does not refundshipping and handling charges when merchandise is returnedIn addition, if the provided returnlabel is used to return the package, the return label fee is also charged to the account.Bank records indicate, you have placed multiple orders with Roaman's that you charged to yourRoarnan'sQ credit card accountPlease keep in mind when payments are not received, arereceived after the due date, or are made for less than the minimum required, the account will beassessed a late fee and finance charge, as explained in the Credit Card Agreement (CCA).Our records indicate on March 2013, we received your dispute, regarding the information inyour complaintOn March 25, 2103, we sent a response which is enclosed for your records.We have spoken with Roaman's on your behalf, and they have provided receipts which verifyyour purchasesThe receipts are enclosed for your records, along with billing statements whichshow the account activity that comprised the account balance and delinquencies which werereported to the credit-reporting agencies.Please be advised, the Roaman'sB account was opened on March 22,The last purchaseof $was made on May 6, 2013, and the last payment of $was received on March Since the account exceeded six consecutive billing cycles past due, the account wasclosed, written off, and reported to the national credit-reporting agencies as an unpaid debt of$on December 6, The Bank then sold the account to Portfolio Recovery onJanuary 20, 2015.Comenity Bank is required to report factual information to the national credit-reporting agencies.We have reviewed your account, and we find that the information reported is correct; as such,we are unwilling to remove the account from your credit report.As Portfolio Recovery is now the owner of this account, we ask that you contact them directly at###-###-####.If you have further questions regarding the charges applied to your account, please contactRoaman's at ###-###-####.I hope you found this information to be helpfulIf you have any further questions, pleasecontact Portfolio Recovery at the number listed above.Sincerely,Amanda R [redacted] ***
We received your complaint, addressed to the RevDex.com, regarding the account referComenity Bank issues RH credit card accounts, and we respond to all credit-related inquiries. Ywere forwarded to my attention, and I appreciate the opportunity to assist you.We understand that you... recently filed a RevDex.com, complaint regarding interest chargedRH credit card account. You state that you feel you have been scammed as you were not allowedpayments to your plan of choice. You have requested that fees assessed to your credit card accourOur records indicate that a purchase of $5,253.49 was charged to the account on October 27, 2purchase was billed to the 365 day deferred interest payment required plan. This plan expired on2016. A purchase of $1,574.34 was charged to your account on November 27. 2015, and this was arevolving plan. However, on May 28, 2016, in response to a dispute received, this purchase was365 day deferred interest payment required plan which expired on November 27, 2016. The last paymentto your account was on December 12, 2015, for $338.55. This purchase was also billed to the 365interest payment required plan and is due to expire on December 12, 2016. As agreed at the timeno interest would be assessed to the account should the balance be paid in full as of the scheduleddate. The information was provided on all billing statements provided to you by Comenity Bank.As each of the plans billed to your account, have a minimum payment due, when your paymentsthey are distributed amongst all plans on your account.Enclosed are copies of the previous statements. Each billing statement advised that should the bapaid in full, accrued finance charges dating back to the original date of purchase, wold be assaccount, On October 27, 2016, as the promotional balance was not paid in full, finance charges totalwere assessed to the account. When your account bills on December 2, 2016, additional financebe assessed to your account as a balance remained unpaid on your plan that expired on NovembThe fees are valid, and we are unwilling to issue credit for the finance charges that have been assePlease note that the address currently Iisted on your RH credit card account is [redacted] Avenuewould like to update this to reflect the address listed above, please contact our Customer Care Dep###-###-####.We appreciate your business and value you as our customer. If you have any questions or concelyour account, please feel free to contact me at ###-###-####, ext. [redacted] be happy to assist you.Sincerely,
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced above Comenity Bank issues Pier imports® credit card accounts and we respond to account-related questions Your correspondence was forwarded to my attention, and I appreciate the opportunity to respond to your concerns We understand from your complaint that you never received your first billing statement and credit card for the above referenced credit card account You state that all items were either returned or cancelled, and when you received your statement in May for your purchase of $21.19, you were charged $for a late fee and $in finance charges We apologize for any inconvenience this matter may have caused you Our records indicate that your Pier imports® credit card account was opened on April 3, 2016, and the Welcome Kit and billing statements were sent to the address we have on file for your account The Bank has no record of any of the items being returned as undeliverable On April 7, 2016, a statement was issued with a balance of $1,and minimum payment of $due by May 3, 2016, as no payment was received by the due date, a late fee and finance charges were assessed to the account in accordance with the Credit Card Agreement On April 11, 2016, credit for $was issued to your account and a credit in the amount of $was issued on April 16, On May 8, 2016, a statement was issued with a balance of $and a minimum payment of $due by June 3, 2016, as no payment was received by the due date a late fee was assessed to the account As a courtesy the bank credited your account $in late fees and $in finance charges on May 31, On June 4, 2016, your payment of $was received Please be assured that we have removed the remaining $in late fees from your account and with this adjustment you have a credit balance of $ A refund check has been requested, and should be received within days In addition, your Pier imports® credit card account has been closed per your request We hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, Ashley H***
Dear [redacted] Thank you for the recent complaint regarding the above-noted accountComenity Capital Bank issuesGardner White credit card accounts, and we respond to all account-related inquiriesYour complaint,addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunityto assist you.Your complaint states that the purchases you made in and were placed on a month interestfree plan; however, you were assessed the accrued interest for your purchasesFurthermore, you arerequesting the accrued finance charges be waivedI understand your concerns and I apologize for anyinconvenience or frustration this may have caused you.Our records indicate on February 15, 2013, a purchase of $1,posted to your account, Thispurchase was placed on a Month Waived Interest, Equal Payments Required Plan, which wasscheduled to expire on February 27, Purchases on this plan will not assessed interest if thepurchase is paid in full before the end of the promotional periodAt the end of the promotional period,any balance remaining on the plan is added to the regular revolving balanceThe minimum monthlypayment calculations for this plan is less than the minimum monthly payment calculation for the regularrevolving balance (generally %).Furthermore, on March 16, 2014, a purchase of $posted to your account and on March 17,2014, apurchase of $posted to your accountBoth purchases were placed on a Month DeferredInterest, 1% Payment Required Plan, which was scheduled to expire on March 17, and March 18,For purchases on this plan, interest is accrued (calculated, but not added to the balance)If thebalance is not paid in full by the plan end date, the accrued finance charges, which are calculated fromthe date of the original purchase, are added to the deferred balance, and this balance is moved to therevolving balanceThis information appeared on your monthly billing statements, under the heading,'Details of your plans"have enclosed your billing statements for your review.Upon further review, our records indicate that your payments are due on the 10'' of each month and as aresult of payments not being received or received after the due date, a late fee was assessed to youraccount for the months of May 2013, June 2013, April 2014, May 2014, June 2014, July 2014, November2014, December 2014, January 5, and March 5.Please be advised that a statement was issued to you on February 12, 2015, showing a balance of$Under the "Details of your plans" section, you were advised that the balance of $348.00, whichwas the remaining balance for the purchase of $1,500.00, needed to be paid by February 17, 2015, toavoid paying interest chargesAs a result of this balance not being paid in full, the remaining balance of$was moved to your revolving balancePlease be advised that you were not assessed anyaccrued interest for this purchase; however, as a result of this balance being moved from a waivedinterest promotional plan to the revolving balance, finance charges would be assessed monthly, shouldthe balance not be paid in fullAdditionally, the balance of $536.00, which is the remaining balance forthe purchase of $699.01, needed to be paid by March 18, 5, to avoid the accrued interestAs a resultof the balance not being paid in full by March 78, 2015, the accrued interest of $was assessed toyour account.Comenity Capital Bank has found no billing errors on your account, and we believe the informationprovided is accurate; therefore, we are unwilling to waive the accrued finance charge that was assessedto your account.As of the date of this letter, the account balance is $861.56.We hope that this information is helpfulShould you have any additional questions or concerns, pleasedo not hesitate to contact me directly at ###-###-####, ext7293241, (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist
Dear [redacted] Comenity Bank has received your correspondence regarding the above-referenced accountComenity Bank issues the [redacted] ’s credit cardWe are here to answer your questions and assist with your concerns.The Bank received your complaint in which you state you made a payment in full the same day you made your purchaseYou further state you do not owe a balance on the account and you are requesting that the account be adjusted to show a zero balanceWe understand your concerns, and apologize for any frustration this may have caused you.Our records indicate that on July 7, 2016, a [redacted] ’s account was opened in the name of [redacted] A purchase of $was charged to the account the same dayIf you have documentation that confirms the purchase was paid for using another method of payment, please send the documentation to the address above.Based on the information in your complaint, we have issued a credit for all Bank fees assessed to the accountThis left a credit of $on the account; therefore, the Bank issued a refund check in this amountYou should receive this within days under separate cover.In addition, notification has been sent to the national credit-reporting agencies with instructions to delete the [redacted] ’s account, in its entiretyPlease allow days for the credit-reporting agencies to update their records.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####.Sincerely,Jenny W***
This message concerns my complaint ID [redacted] against Comenity Bank.I am writing to say you have resolved my complaint against Comenity Bank and I have received credit on my account that was due.I am very grateful for your help.Thank you very much for your help.Sincerely, [redacted] ***
Although your offices continuously fail to acknowledge that Comenity Bank/Lane Bryant is in the wrong for the way that they have treated me, yes complaints have already been established with the agenciesthat you recommended The company is clearly trying to cover its basis because of their wrong doing.I realize that your offices do not have all of the documents that clarify my complaint against them BUTthey do and their poor attempt to keep your offices at bay shows this-which justifies my concerns to theyour State Attorney General's office
Dear [redacted] : We received the additional inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-related questions Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concernsWe understand from your inquiry you would like confirmation that Comenity Bank received the documentation sent by your credit union and your account is reported as current with no delinquencies with Equifax, Experian, and TransUnion Bank records indicate as of the date of this correspondence, the bank has not received the documentation from your credit union and your account is reported as current with no delinquencies with the credit-reporting agenciesWe hope this information is helpful Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####); I will be happy to assist youSincerely, Tionna M [redacted] [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the accountreferenced aboveComenity Bank issues Woman Within@ credit card accounts, and we arehere to assist you with all account-related questionsI appreciate the opportunity to respond toyour concerns.We previously received and responded to your complaint submitted to our Dispute Teamregarding this matterPlease find enclosed a copy of our response sent to you on February 5,2016.Please be advised, the Bank has received your payment of $47.04, which has provided you witha credit balance of $A refund check has been issued and should be received, underseparate cover, in days to the address above.I hope you find this information to be helpfulIf you have any further questionsplease contactme at ###-###-####ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Amanda R**
I did as directed by your companyI will be contacting an attorney I do have a record of the call and instruction from your customer serviceI hoped you would be honest and we could get it resolved without legal action Regards, [redacted]
Dear Ms [redacted] We received your complaint, addressed to the Revdex.com, regarding the account referenced aboveAs the bank that issues HSN credit card accounts, Comenity Capital Bank is here to help you with your account-related concernsYour complaint was forwarded to my attention, and I appreciate the opportunity to assist youYour complaint indicates that you purchased Account Assure to cover your debt in case you became unemployedYou became unemployed on August 1, 2016, and on August 15, 2016, you notified the Bank that you had a payment due on August 20, You state that you had to wait for paperwork that needed to be filled out and faxed back once completedAdditionally, part of the paperwork had to be completed by your former employer who is in Maryland, and you live in FloridaFurthermore, the local business in Florida refused to the required documentsYou are requesting that the bill be paid, since you are now unemployedYou can address your concerns directly to Account Assure at: Account Assure [redacted] [redacted] In the interest of customer service, we have issued a credit for the late fee of $that was applied to your accountPlease keep in mind that you are responsible to maintain your minimum payment until your claim has been processed and payment has been made to the accountWe hope you find this information to be helpfulShould you have any additional questions or concerns, please do not hesitate to contact me directly at #######, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist youSincerely, Rosa M [redacted]
Dear [redacted] : We received your complaint, addressed to the Revdex.com, regarding the accounts referenced above Comenity Bank issues west elm credit card accounts, and we respond to account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that you applied for a west elm credit card account in May of and you have not received a west elm credit card and you have never made any purchases on the west elm account We also understand that you have disputed the charges and a new west elm account was established and the purchases were transferred to the new account You are requesting the Bank remove the information from your credit report, and stop contacting you I apologize for any inconvenience this matter may have caused youOur records indicate that we received a similar complaint that was filed with the CFPB (Consumer Financial Protection Bureau) on August 9, We have enclosed our response for your recordsOn October 30, 2015, your west elm account ending in [redacted] was closed, and your west elm account ending in [redacted] was established and a credit card was sent to the address listed above The bank has no record of receiving the credit card back as undeliverableYour account ending in [redacted] has a balance of $3, As advised in our previous correspondence the Bank considers the balance on this account to be validWe hope this information is helpful Should you have any other questions or concerns regarding this account, please feel free to contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H [redacted] Tell us why here
I was led to believe information, and the employees that did this need to be retrainedIf you won’t raze the credit limit to be the $like I was led to believe it was, I think everything I have been through deserves a customer service adjustment to the account to bring it under the credit limitThat’s a $good will adjustment on the banks partThis would be the right thing to do Regards, [redacted]
Consumer called Revdex.com stating the matter is resolved, everything is ok
Dear Mr [redacted] We received your complaint, addressed to theRevdex.com, regarding the account referenced above Comenity Bank issues Pier Imports® creditcard accounts, and we respond to account-related questions Your correspondence was forwarded to my attention,and I appreciate the opportunity to respond to your concernsWe understand your concerns as noted in thecorrespondence that you were not receiving your billing statements due to anissue with your name and would like to have the negative reporting removed fromyour credit report We apologize for theinconvenience and frustration you may have experienced due to this situationOur records indicate that the Pier Imports®account was opened on March 22, 2014, in the name of [redacted] withthe address listed aboveBank records indicate a billing statement wasissued on March 23, 2015, which reflected a balance of $2,with a minimumpayment of $due by April 18, A statement was issued on April 22, 2014, which reflected a balance of $2,692.31with a minimum payment of $258.00, due by May 18, Due to non-receipt of payment, late fees andfinance charges were assessed to the account in accordance to the Credit CardAgreement In addition, we have no recordof the billing statements being undeliverableOn May 26, 2014, a credit of $wasapplied to your account to reverse the previously assessed late fees, and yourname was corrected on the account Apayment of $2,was applied to your account on June 12, 2014, leaving theremaining balance of $ As nofurther payments were received, late fees and finance charges continued to beassessed to the account On October 29,2014, a credit for $was applied to your account removing the previouslyassessed finance charges and late fees, leaving a zero balanceIn the interest of customer service,instructions were sent to the national credit-reporting agencies to delete thederogatory reporting for the above mentioned account Please allow the credit reporting agencies 45days to update their recordsWe hope this information is helpful Should you have any other questions orconcerns regarding this account, please feel free to contact me at###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Ashley H [redacted]
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answeryour questions and assist with your concerns.We understand from your correspondence, submitted to the Revdex.com, that youattempted to set up an automatic payment and the payment was not madeAt that time youcontacted the Bank to request the fee removed from the accountYou state that you were advisedthat due to having a fee removed previously, the Bank is unwilling to remove an additional fee asthe Bank only permits the removal of late fee every monthsYou are requesting this additionallate fee removed.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement.As of the date of this letter, the balance on the account is $679.00, and the account is currentAsyour account was issued a credit for the Bank fee previously, please understand that we areunwilling to credit your account any additional late fees at this time.I hope you found this information to be helpfulIf you have any questions or concerns, please feelfree to contact me at ###-###-####.Sincerely,Renee S***
Dear [redacted] Thank you for contacting Comenity BankAs the bank that issues Victoria’s Secret credit cardaccounts, we are here to answer account-related questionsYour complaint, submitted to theBetter Business, was forwarded to my attention for reviewI appreciate the opportunity to assistyou.In your complaint you allege you did not enroll into the Account Assure program, and that youmissed the charges assessed because you receive your statements electronicallyWhencontacting the company to cancel and request a refund, you were asked to verify yourinformationBecause there was an address error, missing phone number, no Social Securitynumber, and no security question, they refused to cancel the membership or issue a refund.You request the membership cancelled and a refund for $150.92.The Bank’s investigation found that you enrolled in Account Assure, which is an optional debtcancellation program, on November 4, 2014, during a call to confirm receipt of your Victoria’sSecret credit cardYour Victoria’s Secret account was charged a total of $in AccountAssure fees, which reflected on the billing statementsEnclosed are copies of the billingstatements and the Account Assure Welcome Kit sent to you upon enrollment.Please be assured that on March 9, 2016, we cancelled the Account Assure program and youwill no longer receive the benefitsAdditionally, credits totaling $have been issued to theaccount for the fees assessedYou will see the credits on your March 16, 2016, billingstatementAON, the vender for Account Assure acknowledged that they were unable to verifyyour address when you called them on March 8, However, they called you on March 9,2016, to confirm the cancellation and the credits issued to your account.We sincerely apologize for any frustration or inconvenience you have experienced as a result ofthis matterIf you have further questions or concerns, please contact me at ###-###-####,ext [redacted] (TDD/TTY ###-###-####)I will be happy to assist you.Sincerely,Shawnda Y***
Dear [redacted] : Comenity Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Bank issues the Victoria’s Secret Angel credit cardWe are here to answer your questions and assist with your concernsWe understand that while visiting the Lakeland Victoria’s Secret store in October 2016, you applied for an account and were approvedHowever, the store associate entered someone else’s address on the applicationYou never received the credit card or billing statements, and in February you were contacted by the Bank stating you had not paid your bill and three billing statements had been sentYou state the representative was nasty and accused you of lying as the statements had not been returnedYou were directed to the Account Protection (Fraud) Department in which the representative confirmed that the address on the account was in Davenport FloridaAt this time you requested to have the account closedTwo months later when speaking to an Account Protection representative you were advised the account wasn’t cancelled, and late fees were assessedOn May 19, 2017, you received a letter from the Bank advising that there hasn’t been any fraud in the matterWe have reviewed the concerns in your correspondence as well as the applicable telephone conversationsWe apologize if you felt you did not receive the best customer serviceWe never intend to treat our customers in a less-than-satisfactory mannerWe are committed to providing the best customer service and are disappointed when a customer feels this standard was not metThank you for taking the time to speak with me on May 25, 2017, to resolve this matterAs discussed we sent a request to the credit reporting agencies to remove the delinquency reported in April Please allow the credit reporting agencies up to business days to update their recordsPlease be assured all Bank fees were previously credited to the accountThe Victoria’s Secret Angel credit card account has been closed per your request as of January 12, I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, [redacted] *** [redacted] *** Compliance Dept– Consumer Responses
I provided documentation that the required to verify my identity The letter did not indicate they would close my accounts I received pre-approved offers for Victoria's Secret and Wayfair.com I will be reporting their action to the FDIC and the U.SConsumer Financial Protection Bureau Regards, [redacted]
Dear [redacted] [redacted] * [redacted] Comenity Bank (Bank) has received your correspondence regarding an accountComenity Bank issues multiple retail credit card accountsWe are here to answer your questions and assist with your concerns We understand from your correspondence that you are being charged excessively for bed(s)You state that you have missed one payment and you receive a phone call every day including Sundays We are unable to locate the account you are referencing regarding this matterTo further research your concerns, we request the following: Comenity Bank Account NumberFull social security numberAny previous addressesTelephone number as listed on the account Once this information is received, we should be able to locate the account and further research your concerns I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses